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Consolidate Credit Card

Consolidate credit card payments with ACCC.

When you want to consolidate credit card debt to simplify payments and reduce interest rates, it's important to think carefully through your options. Many credit card companies will make offers to consolidate credit card debt at low or no interest for a period of time. But these offers involve significant fees and after the offer has ended, the interest rates may be quite high. You may also receive offers from "credit card relief" companies to consolidate credit card debt by taking out a new loan. But these loans often have terms that are not very advantageous for you, and your credit score may suffer when you add a new loan to your existing credit card debt.

A debt management plan with American Consumer Credit Counseling (ACCC) is a better option. A debt management plan enables you to consolidate credit card payments without taking out a loan or transferring balances to another high-interest card. Instead we'll consolidate all your payments from your credit card companies and other creditors into a single monthly payment, simplifying your finances and making it easier to keep up with your payments.

How ACCC can consolidate credit card payments and save you money.

When you work with our certified credit counselors, we'll first evaluate your finances to get a clear sense of where you stand. Then we'll help you craft a budget that will allow you to pay off your credit card debt more quickly while still covering your living expenses. Next we'll consolidate all your credit card payments – you'll make one easy monthly payment to ACCC and we'll distribute funds to all of your creditors on your behalf. We'll work with your credit card companies to possibly secure lower interest rates, eliminate late fees and over-limit charges, and shorten the amount of time for credit card payoff – all of which saves you money and helps you get out of debt faster.

Why consolidate credit card payments with ACCC?

When you work with our certified credit reduction professionals to consolidate your payments and pay off your cards, you will:

Save more money – our fees are among the lowest in the industry.

  • Eliminate credit card debt sooner – by securing lower interest rates, eliminating fees and making a plan for regular credit card reduction payments, you'll be able pay off your cards and be debt-free sooner – within five years in most cases.
  • Enjoy greater convenience – our credit counselors make the process very easy, making payments on your behalf and handling all the communications with your creditors for you.

American Consumer Credit Counseling (ACCC) offers nonprofit credit counseling and debt relief programs for consumers nationwide who find themselves drowning in debt and wondering "How do I get out of debt?" Our certified credit counselors have helped thousands of individuals and families learn how to reduce credit card debt and get out of debt through a variety of credit reduction strategies. Our credit card debt consolidation and debt management plans help achieve credit card relief by consolidating credit cards payments to pay credit card debt down more quickly. We also offer bankruptcy counseling, housing counseling and other financial education services.

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